Do I need RV or Motorhome Insurance?

May 18, 2018

RV Motorhome Insurance

It’s more than your car! It’s your summer home! Finding the right insurance coverage for a RV or Motorhome can be difficult. Look at what you have inside your motorhome and how much it is worth to you. If your RV is a motorhome (class A or B), you may be required to have insurance beyond your homeowners policy. Ask your agent at Anderson-Watkins Insurance to see what you are required to have per State Laws. Most motorhome insurance will offer many of the same things as your auto insurance for coverage as well as the extras you may need for the valuables you store inside.  So what is covered? Let’s explore. Basic Insurance Coverage terminology Bodily Injury Liability – If someone is injured from an accident you caused with your motorhome, this coverage will help cover medical expenses, loss of income, pain and suffering. Property Damage Liability – Helps pay for damages to another person’s auto or property if you cause an accident. Collision – If you are in an accident, regardless of who is at fault, collision will pay for the damage to your motorhome. Comprehensive – This helps pay for non-collision damage such as vandalism, theft,...

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5 Easy Steps and Apps to create a Home Inventory

January 15, 2016

It’s hard to remember every little thing you own in your home. Things are given to you or your buy them, then you put them aside for when you may need them. What would you do if you had a fire in your home and everything was destroyed? Having a home inventory will help you remember everything you have lost, will help with any insurance claims you may file and help verify losses for your income tax return. To start a home inventory: 1. Decide what will make it easier for you to remember, e.g. photos, lists, sales receipts, etc. There are many ways to record the inventory too, e.g. photos with written descriptions, video recorded on a thumb drive or files created with both photos and video saved onto the cloud. 2. Start with one room. Take a picture or video of the room. Make sure you open all cabinets and drawers so you capture everything in the picture. 3. List all items in the picture or describing what they are, including the make and model and where/when you purchased them. 4. If you have sales receipts, put them with this page. You will also need to know...

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5 Tips To Stay Safe During The Holidays

December 23, 2015

Having a fun and safe Holiday season may be the last thing on your mind, but it’s what everyone wants. Here are some quick things to keep in mind during this festive Holiday season: Tree Safety. Choose the right tree for looks but also quality. Make sure your tree is freshly cut so it will last longer, but also not dry out. Look for needles that do not fall off the branches or break. Live trees need to be watered every day. Christmas tree fires are not common, but when they do, they tend to be more serious. Most are caused by electrical problems. Keep away from electrical outlets and any heat source. Home Safety. When people are entertaining, more cooking is taking place and more distractions are too. Unattended cooking is one of the leading causes of fires in the home, according to the National Fire Protection Association. People often use their fireplaces to create a nice setting for their guests. Be sure your home is safe from any embers and clear anything dry (boughs, decorations) from the fireplace area to prevent any unattended fires from starting. Holiday Travel Safety. Before the rush of the Holiday season, have your...

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